Is it worth paying an annual fee on a credit card?
Kannagi Chauhan
Asked 11 Jun 2026
14
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹40,000?
1 Answer
Accepted
16
Vijayalakshmi Chakraborty·23 Mar 2026
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
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